It is highly unlikely that pears could cause constipation, and in fact they are likely to have the opposite effect. Due to the high amount of fiber that pears contain, they are sometimes used as a remedy for constipation.
An underwriter is a company or other entity that administers the public issuance and distribution of securities from a corporation or other issuing body.
Well, now you can finally find out. A surety underwriter is a person who reviews a surety bond application and determines if the company can provide the bond in question. They evaluate risk both for the company and the client seeking a bond. A surety underwriter has a responsibility to both the client and the company to minimize risks.